Getting Your Home Back After a Property Tax Sale in Louisiana

Louisiana law provides a significant period of time after a tax sale to redeem a property (get ownership back).

If your Louisiana property taxes become delinquent, you could potentially lose your property (or some portion of it) to a tax sale. Fortunately, Louisiana law gives you a significant period of time after the sale (called a “redemption period”) to get ownership back. You would do so by paying off the sale price plus some other amounts. This is called “redeeming” the property.”

How Louisiana Tax Sales Work

In Louisiana, a tax sale will take place if you don’t keep up with your property taxes.

What happens at the sale? At the sale, the tax collector can sell your home to a third party (such as an individual or a corporation) to satisfy the unpaid tax debt (La. Rev. Stat. Ann. § § 47:2153, 47:2196).

What happens after the sale? Following the sale, the tax collector files a tax sale certificate in the public records (La. Rev. Stat. Ann. § 47:2155). (For details on the tax sale process in Louisiana, see What Happens If I Don't Pay Property Taxes in Louisiana.)

How Long Is the Redemption Period Following a Louisiana Tax Sale?

In Louisiana, you generally get three years after the date the tax sale certificate is recorded to redeem your property from the purchaser (La. Const. Art. VII, § 25, HB 256).

The redemption period is reduced for certain properties. The redemption period is reduced to 18 months if the property is blighted (which means dilapidated) or abandoned (that is, you have permanently moved out) (La. Const. Art. VII, § 25, HB 256).

How Much You'll Have to Pay to Redeem

To redeem your Louisiana property following the sale, you must pay:

  • the price the purchaser paid at the tax sale
  • costs
  • a 5% redemption penalty (or less if the purchaser bid down the rate at the sale), and
  • 1% interest per month until the time you redeem (La. Const. Art. VII, § 25, La. Rev. Stat. Ann. § 47:2153).

You Might Be Able to Reduce Your Louisiana Property Taxes Before You Become Delinquent

Even though you’ll get time to redeem your property after a Louisiana tax sale, it is probably better to take steps to make your taxes affordable before you fall delinquent. For example, you could:

Where to Find Louisiana’s Tax Sale Laws

To locate the statutes that cover tax sales and redeeming your home after a tax sale in Louisiana, go to § § 47:2151 through 47:2197 and 47:2241 through 47:2247 of the Louisiana Revised Statutes, as well as the Louisiana Constitution, Article VII, § 25.

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